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36 Harbor Vw, Laguna Vista, TX, 78578

3beds
3baths
1,827sqft
$375,000
$205price/sqft
$2,504/moest. monthly cost
$100,160/yrincome needed

About This Home

Check out the 360 virtual tour https://abrv.in/fcnb Enjoy the ultimate coastal lifestyle in this 3-bedroom, 2.5-bath, 2 car garage townhome in 1,827 sq ft. Situated on the water with your own deeded boat slip, you'll have quick access to the bay for world-class fishing and boating. Located in the exclusive South Padre Island Golf gated community, this home is just minutes from the beach and SpaceX. The heated pool is just a short walk away, and the HOA dues cover an impressive list of amenities: Master HOA + exterior insurance (including flood, windstorm & structure), pest prevention, landscaping, irrigation, roofs, three heated pools, boat ramp, garage lights, harbor dock, clubhouse, fitness room, pickleball & tennis courts. Residents also enjoy access to a golf course, restaurant, and a vibrant community center. Whether you're looking for a full-time residence or a vacation retreat, this waterfront gem has it all!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
Derry Elementary SchoolGrades PK-54.9 mi
4/10
Port Isabel High SchoolGrades 8-123.8 mi
4/10

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Composition

Type & Style

  • Home type: Townhouse
  • Architectural style: Golf Course-Harbor
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,827
  • Total interior livable area: 1,827 sqft

Property

Details

  • Parcel number: 7246150000062000
  • Zoning: RES

Features

  • Pool features: Pool-Heated,Pool-Outdoor
  • Patio & porch: Covered
  • Exterior features: Balcony,Dock,Boat Ramp,Sprinkler System
  • On waterfront: Yes
  • Waterfront features: Waterfront,Channel Frontage

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 2
  • Parking features: Double Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Coastal Flooding
Hail
Heat Wave
Inland Flooding
Ice Storm
Wildfire
Tsunami

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,896$22,752
Home Insurance *$139$1,668
Property Taxes $231$2,772
Electricity $238$2,859
Total$2,504$30,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,851/yr
40% on housing$75,120/yr
45% on housing$66,773/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 78578$169
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78578$252
Cameron County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-27Price change$375,000
2025-09-13Price change$399,000
2025-05-24Price change$425,000
2010-03-26Price change$299,900
2009-09-13Listed for sale$325,000
2009-07-13Listing removed$320,000
2009-05-22Price change$320,000
2009-02-28Price change$350,910
2009-02-20Listed for sale$389,900

For Sale by Agent

AgentPadre Elite Team
BrokerageRE/MAX Elite

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